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Old 08-03-2013, 08:07 AM  
Loneiguana Loneiguana is offline
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The face of the GOP's stereotypical "welfare queens"

'I'm working as hard as I can': For the poor, the costs of life can be higher

By Hannah Rappleye, NBC News
PHILADELPHIA -- On some days, Yolanda Williams says she wonders why it痴 so hard to stay alive. 的知 working as hard as I can. Every time I talk to my boss I ask, 選s there any more work?樗

Williams works part-time as a home-health aide so that she can also attend the Kaplan school to study medical billing. For about 17 hours a week of work, at $10 an hour, she takes home about $298 every two weeks, which she uses to support her disabled husband and her 21-year-old daughter, both of whom are unemployed.

的知 trying to go to school so I can get a better job, so I can get off welfare, added Williams, who receives food stamps and Medicaid. 的f that means I have to be on the bus 24 hours a day, I値l do it.

Her weekly toil which includes nearly 30 hours on buses underscores one of the truths of life for the millions of American living with poverty: it痴 expensive to be poor.

Williams and her family live in north Philadelphia. She spends her check only on the essentials: rent, gas and electric, bus passes, a phone. She doesn稚 have cable or internet.

"If you own a home, plus childcare, plus commuting costs you can be well above poverty and still not be able to make ends meet, said Professor Scott Allard, an expert in poverty and the social safety net at University of Chicago. 添ou池e not doing anything wrong. You池e playing by the rules but you池e not making it."

Time is money
The expression 鍍ime is money is especially true for the poor.

Yolanda Williams prepares for her Medical Billing and Coding training class at the Kaplan Career Institute.

Those who earn little have to work long hours to make enough, and often spend more time than the well-off managing the basics of their lives. Not having paid sick days means losing wages when a loved one has a medical emergency, or child care falls through. Not having a washing machine means extra hours at the laundromat. And just getting to and from work can take hours.

Every Monday through Friday, and sometimes on the weekends, Williams leaves home at 7:20 a.m. and takes three public buses to school. She arrives at 9 a.m., and finishes at 2 p.m., sometimes lingering to finish homework. Then she leaves for work, taking three more buses to get to her client痴 home in West Philadelphia.

The trip back to her house means two more buses, and arriving home around 10 p.m.

The 28 hours a week, spent waiting for, or riding, the bus, have become another part-time job. Because the agency that employs her requires she pick up her paycheck in person, she takes another two-hour, round-trip, bus ride every two weeks.

的 pretty much spend most of my time on the bus, Williams said.

If Williams had a car, she could cut her travel time significantly. Low-income individuals and families in desperate need of a car often turn to so-called 澱uy-here-pay-here car dealers, which typically offer high-mileage, used cars and in-house financing to those without good credit. Loans from these outlets carry an average interest rate of 24 percent, according to the Center for Responsible Lending, and the industry is little-regulated.

Health care
Studies show low-income people pay a larger share of their incomes for health care. Low-income workers are less likely to receive employer health insurance, or even sick pay, making a day off more costly. Medical care can quickly become medical debt, which can hound people for years, if not a lifetime.

While public programs like Medicaid and CHIP provide health care for low-income individuals and children, getting enrolled and staying on those programs can be tough. Moreover, many working poor earn too much to qualify for Medicaid, but not enough to purchase coverage.

That痴 what happened to Williams two years ago after she lost her job as a bus driver. On unemployment, she applied for coverage through Philadelphia痴 Health Care Partners, a Medicaid managed care organization. She was told she received too much unemployment income to qualify. When her unemployment benefits ran out, she applied again. A paperwork snafu delayed their enrollment for nearly a year. The delay had real health effects for the couple, both of whom have diabetes, a disease which disproportionately affects low-income people.

展e couldn稚 afford to go to the doctor, she said. 展e didn稚 have medicine. We were under control when we had medical insurance.

Banking also is more expensive for poor people.

About 28.3 percent, or one in four American households, are what the FDIC calls 砥nder or 砥nbanked. Underbanked households use a bank account, but also use alternative financial services, such as payday loans or check-cashing outlets. The unbanked don稚 use any accounts at all.

According to the FDIC, 17 million adults in the U.S. live in unbanked households.

Williams catches a SEPTA bus in the morning on her way to class.
Typically, the un or underbanked are low-income individuals or families. They rely on non-traditional banking services like check-cashing stores that carry fees that can add up to hundreds of dollars a month. Pre-paid debit cards often the only kind of plastic low-income people with poor credit ratings can get -- also carry transaction and card-loading fees.

Williams uses a local check-cashing outlet to get her bi-weekly pay. She's charged a fee each time she cashes a check, but as she explains, why set up a bank or savings account when you can稚 put anything in it?

的 know I work harder than $298, she said. 鉄ometimes I get my check and I feel like crying. I知 not even in a rush to cash it, because you know they take a little bit more out when you cash it.

Williams expects to graduate from her program this November. She痴 confident that her two degrees, plus her experience as a home aid, will land her a full-time job with benefits and a living wage.

展hen we both worked and were bringing home a nice pay, it was simple, Williams said. 展e had a car, we had life insurance, we had car insurance. We had enough to pay the bills with a little something left over.

Now, she added, life is more complicated. 的 don稚 want to be on welfare any longer than I have to, she said.

http://inplainsight.nbcnews.com/_new...be-higher?lite
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Old 08-03-2013, 10:23 PM   #31
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A lot of these low paying jobs not only suck wage wise, but they limit hours like crazy on top of that. There shouldn't be a person alive that must work two jobs just to make basics happen.
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Old 08-04-2013, 06:05 AM   #32
Loneiguana Loneiguana is offline
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Originally Posted by Donger View Post
No, I wouldn't call her the stereotypical welfare queen. She's working and wants more work. I'd call her a good example of what the GOP wants to see more of, not less of.

Nice try though, I suppose.
90 percent of people on government assistance are retired, disabled or members of working households.

People like her are in the majority, not the minority.
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Old 08-04-2013, 06:16 AM   #33
Loneiguana Loneiguana is offline
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Originally Posted by Brainiac View Post
I can't find the passages in the New Testament where Christ addresses tax policy and tells us that GOVERNMENT must take care of the poor. Can you help a guy out?
(Mark 12:13-17)
(Taxes)

Quote:
13 And they send unto him certain of the Pharisees and of the Herodians, to catch him in his words. 14 And when they were come, they say unto him, Master, we know that thou art true, and carest for no man: for thou regardest not the person of men, but teachest the way of God in truth: Is it lawful to give tribute to Caesar, or not? 12:15 Shall we give, or shall we not give? But he, knowing their hypocrisy, said unto them, Why tempt ye me? bring me a penny, that I may see it.
16 And they brought it. And he saith unto them, Whose is this image and superscription? And they said unto him, Caesar's. 17 And Jesus answering said unto them, Render to Caesar the things that are Caesar's, and to God the things that are God's. And they marvelled at him.
On obeying the government. And since the government said it wants to help the poor (We ARE a christian nation, correct?) you should obey.

Romans 13

Quote:
1 Obey the government, for God is the one who put it there. All governments have been placed in power by God. 2 So those who refuse to obey the laws of the land are refusing to obey God, and punishment will follow. 3 For the authorities do not frighten people who are doing right, but they frighten those who do wrong. So do what they say, and you will get along well. 4 The authorities are sent by God to help you. But if you are doing something wrong, of course you should be afraid, for you will be punished. The authorities are established by God for that very purpose, to punish those who do wrong. 5 So you must obey the government for two reasons: to keep from being punished and to keep a clear conscience. 6 Pay your taxes, too, for these same reasons. For government workers need to be paid so they can keep on doing the work God intended them to do. 7 Give to everyone what you owe them: Pay your taxes and import duties, and give respect and honor to all to whom it is due. 8 Pay all your debts, except the debt of love for others. You can never finish paying that! If you love your neighbor, you will fulfill all the requirements of God's law.
And then of course there are the poor. Which we all know the bibles says to help.

Luke 14:13 - But when thou makest a feast, call the poor, the maimed, the lame, the blind:

Deuteronomy 15:11 - For the poor shall never cease out of the land: therefore I command thee, saying, Thou shalt open thine hand wide unto thy brother, to thy poor, and to thy needy, in thy land.

Luke Chapter 6
20 And he lifted up his eyes on his disciples, and said, Blessed [be ye] poor: for yours is the kingdom of God.

21 Blessed [are ye] that hunger now: for ye shall be filled. Blessed [are ye] that weep now: for ye shall laugh.

ect.

The are passages talking about paying your taxes, obeying your government and helping the poor. Rolled all into the one, our government uses taxes to help the poor.
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Old 08-04-2013, 06:22 AM   #34
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Originally Posted by Loneiguana View Post
90 percent of people on government assistance are retired, disabled or members of working households.

People like her are in the majority, not the minority.
You are a special kind of stupid aren't you.
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Old 08-04-2013, 06:33 AM   #35
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Originally Posted by lawrenceRaider View Post
You are a special kind of stupid aren't you.
Not as stupid as you.

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Federal budget and Census data show that, in 2010, 91 percentof the benefit dollars from entitlement and other mandatory programs went to the elderly (people 65 and over), the seriously disabled, and members of working households. People who are neither elderly nor disabled and do not live in a working household received only 9 percent of the benefits.

http://www.cbpp.org/cms/?fa=view&id=3677
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Old 08-04-2013, 06:43 AM   #36
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Originally Posted by InChiefsHell View Post
No comment from Loneiguana on the strawman argument he sets up here?
What strawman? I didn't take a position and take to an extreme in order to argue against it.

I took a quote from Reagan and made fun of it.
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Old 08-04-2013, 06:46 AM   #37
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Originally Posted by patteeu View Post
The problem is that liberal policies, often assisted by Republican politicians for political reasons, have turned a wide swath of America into government dependents to one degree or another even for those who work a full time job.




/you will have to explain who it was liberal policies that drove wage stagnation
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Old 08-04-2013, 07:21 AM   #38
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Originally Posted by Loneiguana View Post
90 percent of people on government assistance are retired, disabled or members of working households.

People like her are in the majority, not the minority.
Sure. Unfortunately, we have created a dependence on government (e.g., Social Security, Medicare, etc.). Once it's created and has dependents, it's very hard to kill it.

How do you feel about the other 10%, who are basically just freeloading bums?
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Old 08-04-2013, 08:01 AM   #39
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Hmmmmmm. .most of you are older n close to retirement. You're going to be living of of my social security money and medicaid. You're really bitching about where YOUR tax dollars go when you're stealing my social security money? I hear none of you posting about corporate welfare. .but then again you're rights wingers and that's not part of your programing.
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Old 08-04-2013, 08:12 AM   #40
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Hmmmmmm. .most of you are older n close to retirement. You're going to be living of of my social security money and medicaid. You're really bitching about where YOUR tax dollars go when you're stealing my social security money? I hear none of you posting about corporate welfare. .but then again you're rights wingers and that's not part of your programing.
? We'll be receiving our own money back. You know, what we paid in over the years. And for some of us that's a lot more than others will put into to the system.
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Old 08-04-2013, 08:17 AM   #41
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? We'll be receiving our own money back. You know, what we paid in over the years. And for some of us that's a lot more than others will put into to the system.
No I won't. Social Security probably won't be around when I need it the way things are going now. Combined, my wife and I make over 100k a year ..we're putting in our fair share. The problem is the people living if off social security are getting more than what they put in.
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Old 08-04-2013, 08:29 AM   #42
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No I won't. Social Security probably won't be around when I need it the way things are going now. Combined, my wife and I make over 100k a year ..we're putting in our fair share. The problem is the people living if off social security are getting more than what they put in.
What's that got to do with what us old codgers receiving back what we're deserved?

Anyway, it sounds like you understand the system needs to be overhauled and that's a good thing.
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Old 08-04-2013, 08:37 AM   #43
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Originally Posted by Loneiguana View Post




/you will have to explain who it was liberal policies that drove wage stagnation
Your pictures show how deeply ingrained the democrats' dependency state has become. Heroin dealers could take some lessons.

/wage stagnation has nothing to do with it
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Old 08-04-2013, 08:42 AM   #44
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Hmmmmmm. .most of you are older n close to retirement. You're going to be living of of my social security money and medicaid. You're really bitching about where YOUR tax dollars go when you're stealing my social security money? I hear none of you posting about corporate welfare. .but then again you're rights wingers and that's not part of your programing.
Read this:

Quote:
Originally Posted by patteeu View Post
Quote:
Originally Posted by FD View Post
Quote:
Originally Posted by patteeu View Post
The problem is that liberal policies, often assisted by Republican politicians for political reasons, have turned a wide swath of America into government dependents to one degree or another even for those who work a full time job.
Yep. Many of them don't even recognize their own dependence on government benefits, particularly people using Medicare which, more than anything else, is driving out of control spending and our long term debt problem.
Agree!
Corporate welfare is the same story. The dependency state that the democrats conceived and continue to advance permeates all aspects of society.
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Old 08-04-2013, 08:51 AM   #45
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Live off the dole and raid company retirement plans.

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